{"id":160,"date":"2009-08-28T08:54:06","date_gmt":"2009-08-28T12:54:06","guid":{"rendered":"http:\/\/noyeshallallen.wordpress.com\/2009\/08\/28\/sending-kids-off-to-college-check-your-insurance\/"},"modified":"2017-11-09T08:53:16","modified_gmt":"2017-11-09T14:53:16","slug":"sending-kids-off-to-college-check-your-insurance","status":"publish","type":"post","link":"https:\/\/www.noyeshallallen.com\/blog\/sending-kids-off-to-college-check-your-insurance\/","title":{"rendered":"Sending Kids Off to College? Check Your Insurance!"},"content":{"rendered":"<p><img decoding=\"async\" class=\"at-xid-6a00e5540bfd4788340120a52a1c64970b \" style=\"float: left;\" title=\"Noodle\" alt=\"Noodle\" src=\"https:\/\/riskebusiness.typepad.com\/.a\/6a00e5540bfd4788340120a52a1c64970b-120wi\" \/>If your house is like mine, you have random piles of clothing, boxes of ramen noodles and bedding all over the place, waiting to load into the car for the annual college move-in. Ours moves in this weekend. Let&#8217;s hope the weather cooperates!<\/p>\n<p>College is one of the biggest expenses we parents face in our lifetimes. With finances so tight, it&#8217;s certainly not the time to find out that your <a title=\"Maine Car Insurance and Online Auto Insurance Quotes from Noyes Hall &amp; Allen\" href=\"http:\/\/www.noyeshallallen.com\/personal-insurance-landing\/car-insurance\/\" target=\"_blank\">Maine auto insurance<\/a> policy doesn&#8217;t cover an accident or theft isn&#8217;t covered by your <a title=\"Maine Home Insurance and Homeowners Insurance Quotes from Noyes Hall &amp; Allen\" href=\"http:\/\/www.noyeshallallen.com\/personal-insurance-landing\/homeowners-insurance\/\" target=\"_blank\">Maine homeowners\u00a0insurance<\/a>.\u00a0Here are a few common scenarios, and how the policies\u00a0our <a title=\"Noyes Hall &amp; Allen Insurance South Portland Maine\" href=\"http:\/\/www.noyeshallallen.com\" target=\"_blank\">Maine insurance agency<\/a>\u00a0sell respond. <strong>YOUR<\/strong> policy may be different.<\/p>\n<p><strong><span style=\"text-decoration: underline;\"><a title=\"Maine Homeowners Insurance by Noyes Hall &amp; Allen, South Portland\" href=\"http:\/\/www.noyeshallallen.com\/personal-insurance-landing\/homeowners-insurance\/\" target=\"_blank\">Maine Homeowners Insurance<\/a><\/span><\/strong><\/p>\n<div><span>\u00a0<\/span><\/div>\n<div><span>\u00a0<\/span><\/div>\n<div><\/div>\n<p>&nbsp;<\/p>\n<ul>\n<li><span><span><strong>Your kid&#8217;s &#8220;stuff&#8221;:<\/strong> Most home policies provide 10% of your personal property limit for belongings located at a residence other than the insured home. So, if you have $100,000 of contents coverage (&#8220;Coverage C&#8221; on your policy), $10,000 of it follows your\u00a0student\u00a0to school, if they live in a dormitory. Of course, the damage has to be caused by a peril covered by your policy.<br \/>\nCertain items, like jewelry or expensive electronics, might need special coverage. <a title=\"Contact Noyes Hall &amp; Allen Insurance Agency South Portland Maine\" href=\"http:\/\/www.noyeshallallen.com\/contact-us\/\" target=\"_blank\">Contact your agent <\/a>to discuss these items.<strong><br \/>\n<\/strong><br \/>\nIf your student leases\u00a0an off-campus apartment, they should probably get their own <a title=\"Maine Renters insurance from Noyes Hall &amp; Allen Insurance South Portland, ME\" href=\"http:\/\/www.noyeshallallen.com\/personal-insurance-landing\/renters-insurance\/\" target=\"_blank\">renter&#8217;s insurance<\/a>. Your <a title=\"Noyes Hall &amp; Allen's Maine Insurance agents\" href=\"http:\/\/www.noyeshallallen.com\/about\/our-team\/\" target=\"_blank\">local Maine insurance agent <\/a>can tell you for sure.\u00a0\u00a0\u00a0<\/span><\/span>&nbsp;<\/li>\n<li><span>\u00a0<\/span><span><strong>Liability: <\/strong>Even brilliant students can do stupid or careless things. Luckily, your <a title=\"Homeowners liability insurance from Noyes Hall &amp; Allen Insurance\" href=\"http:\/\/www.noyeshallallen.com\/personal-insurance-landing\/homeowners-insurance\/\" target=\"_blank\">homeowners\u00a0liability <\/a>coverage follows them, as long as their permanent residence remains your home. But that general dorm damage\u00a0bill you got for the discharged fire extinguishers: all yours, sorry. Damage to a rented property is not covered by homeowners policies.<strong>\u00a0<\/strong><\/span><\/li>\n<\/ul>\n<p><strong><span style=\"text-decoration: underline;\">Car Insurance<\/span><\/strong><\/p>\n<p>Even though it&#8217;s tempting to remove your children from your <a title=\"Maine auto insurance from Noyes Hall &amp; Allen Insurance South Portland ME\" href=\"http:\/\/www.noyeshallallen.com\/personal-insurance-landing\/car-insurance\/\" target=\"_blank\">Maine auto insurance policy<\/a> to save money, it&#8217;s a bad idea. They still need coverage for times when they&#8217;re home, or if they borrow someone else&#8217;s car. Hey, it happens.<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>&#8220;You&#8217;re not taking that car to school&#8221;:<\/strong> If your child is away over 100 miles without a car, most insurers offer <a title=\"Maine Auto Insurance Discounts from Noyes Hall &amp; Allen Insurance\" href=\"http:\/\/www.noyeshallallen.com\/personal-insurance-landing\/insurance-discount\/maine-auto-insurance-discounts\/\" target=\"_blank\">auto insurance discounts<\/a>.<\/li>\n<li><strong>&#8220;But I need\u00a0to have a car so I can (insert excuse here)&#8221;:<\/strong> Somewhere around second semester sophomore year -if not before- you&#8217;ll hear this. If you let them take one of your vehicles to school, make sure your insurer knows about it. Sure, you&#8217;ll pay more for insurance, but you won&#8217;t have to explain why your BU student was driving on Comm Ave on a Wednesday night. Awkward!<\/li>\n<li><strong>&#8220;So I borrowed Griz&#8217; car&#8230;&#8221;<\/strong> Your student is covered under your policy as long as they remain a member of your household. The primary coverage for any accident comes from the owner&#8217;s insurance policy (if any). Yours would be secondary. Same thing applies if your child lends someone else your car (you just shuddered a little at that thought, didn&#8217;t you?)<\/li>\n<li><strong>Dean&#8217;s List pays:<\/strong> Just like high school, a &#8220;<a title=\"Car insurance discounts from Noyes Hall &amp; Allen Insurance\" href=\"http:\/\/www.noyeshallallen.com\/personal-insurance-landing\/insurance-discount\/maine-auto-insurance-discounts\/\" target=\"_blank\">good student insurance discount<\/a>&#8221;\u00a0applies for kids who maintain a &#8220;B&#8221; average. Keep your agent posted to make sure you&#8217;re getting the discount.<\/li>\n<\/ul>\n<p>For more information, contact your agent or company. Or, <a title=\"Contact Noyes Hall &amp; Allen Insurance South Portland Maine\" href=\"http:\/\/www.noyeshallallen.com\/contact-us\/\" target=\"_blank\">contact Noyes Hall &amp; Allen Insurance<\/a>\u00a0at 207-799-5541. After all, we just gave you a bunch of free advice, didn&#8217;t we? And we&#8217;ve got kids to put through college too!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If your house is like mine, you have random piles of clothing, boxes of ramen noodles and bedding all over the place, waiting to load into the car for the annual college move-in. Ours moves in this weekend. Let&#8217;s hope the weather cooperates! College is one of the biggest expenses we parents face in our [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5,12,24,13,14,15,34],"tags":[23,36],"class_list":["post-160","post","type-post","status-publish","format-standard","hentry","category-car-insurance","category-condo-insurance","category-finance","category-homeowners-insurance","category-personal-insurance","category-renters-insurance","category-umbrella-insurance","tag-family","tag-saving-money"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/posts\/160","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/comments?post=160"}],"version-history":[{"count":1,"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/posts\/160\/revisions"}],"predecessor-version":[{"id":4783,"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/posts\/160\/revisions\/4783"}],"wp:attachment":[{"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/media?parent=160"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/categories?post=160"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/tags?post=160"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}